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All Journal Fokus Bisnis Jurnal Dedikasi Masyarakat Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Resona : Jurnal Ilmiah Pengabdian Masyarakat Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen STIE Muhammadiyah Palopo SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Edukasi Islami: Jurnal Pendidikan Islam SEIKO : Journal of Management & Business Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Mantik Kumawula: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Enrichment : Journal of Management Ethical Lingua: Journal of Language Teaching and Literature Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Fokus Manajemen Bisnis Kontigensi: Jurnal Ilmiah Manajemen Golden Ratio of Mapping Idea and Literature Format Golden Ratio of Finance Management Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ilmiah Akuntansi dan Keuangan
Anwar, Suhardi M.
Universitas Muhammadiyah Palopo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Strategi Pemasaran Harga dan Promosi Olahan Coklat UMKM Koperasi Tani Cahaya Sehati dengan Perspektif Islam di Desa Bringin Jaya Herlinda Herlinda; Suhardi M Anwar; Andi Rizkiyah Hasbi
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 01 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i01.3865

Abstract

Strategi pemasaran untuk memaksimalkan penjualan produk dengan melalui strategi pemasaran harga dan promosi  untuk penjualan produknya.  Saat ini banyak perilaku bisnis yang tidak etis dalam berbisnis Yang dimana memasarkan produk Umkm Koperasi Tani Cahaya Sehati di Desa Bringin Jaya. Dalam rangka mengimplementasikan syariat Islam dalam kehidupan ekonomi Islam, perlu dilakukan perubahan cara berpikir dari sistem ekonomi kapitalis ke sistem ekonomi syariah termasuk masalah bisnis.  Karena  dunia  bisnis  tidak  terlepas  dari  etika  bisnis Di pandang dari luasnya permasalahan yang ada dalam umkm maka di perlukan adanya perencanaan yang menyeluruh untuk di jadikan pedoman bagi Umkm dalam menjalankan kegiatanya alasan lain yang menunjukkan pentingnya strategi pemsaran yaitu semakin kerasnya persaingan yang di hadapi Umkm pada umumnya penelitian ini di awali dengan melakukan observasi ke pabrik pengolahan coklat Koperasi Tani Cahaya Sehati, sejalan dengan kegiatan observasi memperoleh sumber dan teori-teori penelitian yang di lakukan. Data pada penelitian ini ada dua jenis yaitu data primer berupa data dari hasil wawancara dan pengisian kuesioner berupa strategi pemasaran penjualan produk tentang pabrik pengolahan coklat Kcs. Wawancara di lakukan dengan narasumber Hamka yang merupakan kepala pabrik pengolahan coklat Koperasi Tani Cahaya Sehati.
PENGARUH KOMPENSASI DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN DI TOKO SINAR BANGUNAN PALOPO Ahmad Zakhi Afry; Suhardi M. Anwar; Tahier Ilham
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.15132

Abstract

The purpose of this research is to determine the influence of Compensation and Work Environment on Employee Performance at the Sinar Bangunan Palopo Store. This type of research is descriptive quantitative research. The sampling technique used a questionnaire with a Likert scale measurement scale. The population in this research were all employees of the Sinar Bangunan Palopo Store, totaling 67 people. The data processing used is the SPSS version 25 application. Based on the research results, it is proven that Compensation has a partial and significant effect on employee performance. Meanwhile, the Work Environment does not have a partial and significant effect on Employee Performance. Then Compensation and work environment have a simultaneous and significant effect on Employee Performance. To improve Employee Performance, especially in terms of cooperation, ability to complete work, etc., it is necessary to improve especially the Work Environment. The Work Environment must be improved in terms of workplace atmosphere, room temperature, etc. so that Employee Performance can improve.
The Effect of Digital Payment and Self Control on Students' Impulse Behavior in Palopo City Artika Sari Devi; Suhardi M Anwar; A. Antong
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 3 (2026): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i3.2245

Abstract

This study aims to understand the influence of ease of transactions using digital payments on consumer behavior. The study examined the impulsive behavior of students in Palopo City, both directly and in the aquarium, with internal factors such as self-control. This study used a quantitative approach with a descriptive research type. Data analysis used multiple linear regression analysis. The results of this study indicate that digital payments have a significant effect on impulsive behavior, but self-control has a positive effect on impulsive behavior among students in Palopo City. This indicates that the higher a person's self-control, the lower their impulsive behavior.  
The Influence of Advertising Personalization and Trust on Retail Purchase Decisions Through Gen Z Consumer Engagement in Palopo City Fitrah Rianti Fitrah; Suhardi M. Anwar; Muhammad Aqsa
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10129

Abstract

This study aims to analyze the influence of personalization and trust on retail product purchasing decisions, with Gen Z consumer engagement in Palopo City as a mediator variable. The research approach used was quantitative, with data analysis using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) using SmartPLS software. Data were collected through questionnaires distributed to Generation Z respondents in Palopo City. The results showed that personalization and trust do not directly influence purchasing decisions. However, both have a positive and significant influence when mediated by consumer engagement. This finding confirms that the higher the level of consumer engagement in the interaction process with a product or service, the stronger the influence of personalization and trust in driving purchasing decisions. Thus, consumer engagement plays a key role in linking personalization and trust strategies to purchasing decisions for retail products in Palopo City. Therefore, it can be concluded that neither personalization nor trust has a direct influence on purchasing decisions, but has an indirect influence through consumer engagement with retail products in Palopo City.
ANALISIS KEBUTUHAN DAN KEBIJAKAN PENDIRIAN BUMD : STRATEGI PENINGKATAN PENDAPATAN ASLI DAERAH DI WILAYAH KONSESI TAMBANG Suhardi M. Anwar; Hadi Pajarianto; Ilham Tahier; Serli Tangmallun
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 3 (2025): Edisi September - Desember 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i3.6361

Abstract

Pendirian Badan Usaha Milik Daerah (BUMD) merupakan strategi yang diarahkan untuk meningkatkan Pendapatan Asli Daerah (PAD). Artikel ini mengkaji kesesuaian antara kebutuhan daerah dan potensi sektor pertambangan sebagai dasar kebijakan pendirian BUMD. Tujuan penelitian ini adalah untuk memetakan prioritas strategi dan upaya peningkatan PAD, sehingga dapat meningkatkan kesejahteraan masyarakat. Penelitian ini menggunakan pendekatan Analytical Hierarchy Process (AHP) yang memiliki kemampuan untuk memetakan informasi secara terstruktur dan memberikan gambaran menyeluruh tentang posisi suatu organisasi untuk mendapatkan bobot prioritas terbaik dalam pengambilan keputusan. Hasil penelitian menunjukkan bahwa PAD dapat ditingkatkan dengan priotitas strategi, yakni; pertama, pendirian BUMD sebagai strategi pertama, fasilitasi tenaga kerja untuk sertifikasi sebagai skenario kedua, monitoring lingkungan sebagai strategi skenario ketiga. Pertambangan selain berkontribusi terhadap pendapatan asli daerah juga berpotensi merusak lingkungan. Oleh karena itu, pada AHP jelas bahwa monitoring lingkungan juga menjadi salah satu prioritas teridentifikasi.
The Influence of Financial Literacy and Financial Technology on Students’ Financial Behavior Azifah Syahfitri; Suhardi M. Anwar; A. Antong
Golden Ratio of Finance Management Vol. 6 No. 2 (2026): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i2.2281

Abstract

This study aims to examine the influence of financial literacy and financial technology on the financial behavior of students at the University of Muhammadiyah Palopo. Financial technology refers to the use of digital-based financial services, such as e-wallets, mobile banking, and paylater applications. Financial literacy is defined as students’ ability to understand financial concepts, manage budgets, and make prudent financial decisions. This study involved 395 students from the Faculty of Economics and Business in 2022, with 80 respondents selected using the Slovin formula with a 10% margin of error. The data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression with the assistance of SPSS. The results indicate that financial literacy has a positive and significant effect on students’ financial behavior, and financial technology also has a positive and significant effect. Other factors outside the research model may influence the remaining variance. The implications of this study highlight the importance of improving students’ financial literacy to encourage the wise use of financial technology. Furthermore, universities are encouraged to provide financial education and digital literacy programs to foster healthier financial behavior among students.
The Role of Satisfaction in Enhancing Customer Loyalty in Islamic Mobile Banking Services of Bank Syariah Indonesia Miftahul Rachma; J. Junaidi; Suhardi M. Anwar
Golden Ratio of Mapping Idea and Literature Format Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v6i2.1866

Abstract

This study aims to address the research question of how perceived security, perceived ease of use, and service facilities influence customer loyalty toward Islamic mobile banking services, both directly and indirectly through trust and satisfaction. Specifically, this study tests the hypotheses that perceived security and perceived ease of use positively affect customer loyalty among BSI Mobile users. That trust and satisfaction mediate these relationships, while the effect of service facilities is expected to be more prominent through customer satisfaction. An explanatory quantitative approach was employed, collecting data from 240 active users of BSI Mobile, which were analyzed using Structural Equation Modeling (SEM) in AMOS. The results indicate that perceived security and perceived ease of use have positive and significant effects on both trust and satisfaction. In contrast, service facilities do not have a significant effect on trust but do have a positive, significant effect on customer satisfaction. Furthermore, trust and satisfaction are proven to have significant positive effects on customer loyalty, with satisfaction emerging as the most dominant mediating variable in the structural model. These findings provide more profound insight: customer loyalty in Islamic mobile banking is shaped more by satisfaction with secure, user-friendly digital experiences than by the mere availability of service features. Theoretically, this study extends the Technology Acceptance Model (TAM) by integrating the dual mediating roles of trust and satisfaction in the context of Islamic banking. Practically, the findings emphasize the importance of Islamic banks' digital transformation strategies that prioritize system security and user experience optimization to foster sustainable customer loyalty and strengthen public trust in a Sharia-compliant digital financial ecosystem.
The Influence of Leadership Style, Work-Life Balance and Career Development on Employee Performance at The Palopo City Land Office Nur Zamzam; Suhardi M Anwar; Junaidi Junaidi
Jurnal Ilmiah Akuntansi dan Keuangan Vol. 14 No. 2 (2025): Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/5trc9n25

Abstract

The purpose of this study is to study how leadership style, work-life balance, and career development have an impact on employee performance at the Palopo City Land Office. Data were collected through questionnaires and analyzed using validity, reliability, multiple linear regression tests, t test, f test, and r2 test. The results showed that the independent variable had a positive and significant impact on employee performance, although there were also those that did not have a positive impact on employee performance According to this study, organizations should consider leadership style, work-life balance, and career development if they want to improve employee performance.
DEVELOPING AN ISLAMIC HUMAN RESOURCE MANAGEMENT MODEL TO ENHANCE TEACHER PERFORMANCE THROUGH SPIRITUAL LEADERSHIP, DIGITAL COMPETENCY, AND ISLAMIC ORGANIZATIONAL CULTURE Suhardi M Anwar; Hadi Pajarianto; Harun Alrasyid; Elva Amrin
Edukasi Islami : Jurnal Pendidikan Islam Vol 15 No 01 (2026): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v15i01.10795

Abstract

Digital transformation in education requires Islamic educational institutions to develop human resource management (HRM) systems that integrate Islamic values, spiritual leadership, and digital competency. Teachers as strategic educational assets require not only professional competence but also technological adaptability and internalization of Islamic organizational values. This study aims to develop an Islamic Human Resource Management (IHRM) model to enhance teacher performance through spiritual leadership, digital competency, and Islamic organizational culture. A quantitative approach with an explanatory research design was employed. The respondents consisted of 119 teachers from Islamic schools, Madrasah Tsanawiyah (MTs), and Madrasah Aliyah (MA) in Palopo City, Indonesia. Data were collected using a five-point Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that spiritual leadership and digital competency have positive and significant effects on IHRM and teacher performance. Teacher performance also significantly mediates the effects of spiritual leadership and digital competency on IHRM. However, Islamic organizational culture does not demonstrate a significant direct effect on IHRM and teacher performance. This study develops an IHRM conceptual model that integrates spiritual, digital, and Islamic value dimensions as strategic approaches to improving teacher performance in Islamic educational institutions.
Co-Authors A. Antong A. Nurhayati A.M Hasbi Munarka Abu Bakar Adil Adil Ahmad Suardi H Ahmad Zakhi Afry Altri Wahida Amaluddin Amaluddin Andhika Andhika Andi Rizkiyah Hasbi Andika Rivaldi Pratama Anjelina Dwi Senda Artika Sari Devi Azifah Syahfitri Darmawati Darmawati Devi Satia Ecce Ecce Elva Amrin Fitrah Rianti Fitrah Goso Goso Hapid Hapid Harmita Sari Harun Alrasyid Herlinda Herlinda Herlinda Herlinda Hikmah Safitri Ilham Tahier Imran Ukkas Indra Lestary Sukimon Iqbal Halwi J. Junaidi Jamaluddin Jamaluddin Jumawan Jasman Junaidi, Junaidi Liska Liska Miftahul Rachma Muh Afdal Al Fatha Muh Yusuf Q Muh Yusuf Q Muh. Yusuf Q Muhammad Aqsa Muhammad Ikbal Muhammad Yusuf Q Mustikasari Nur Adilah Rajab Nur Zamzam Pajarianto, Hadi Rahmad Solling Hamid Rahmatia Rahmatia Salju Salju Samsinar Samsinar Serli Tangmallun Sitti Hadijah Sumiati Putri Natalia Sumiati Sumiati Sunarti Sunarti Tadjuddin Tadjuddin Tahier Ilham Warman Warman